| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 685 E CARNEGIE DR SUITE 265 SAN BERNARDINO, CA 924083588 | NATIONWIDE INSURANCE | $21K | $6K | $27K | 12.40% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE INSURANCE | — | $11K | $11K | 5.22% |
| FIRST HEALTH3 | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 60515 | NATIONWIDE INSURANCE | — | $4K | $4K | 1.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | — | $29K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 E CARNEGIE DR SUITE 265 SAN BERNARDINO, CA 924083588 | AMERITAS LIFE INSURANCE CORPORATION | $6K | — | $6K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 N CAPITAL OF TX HWY BLDG AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 N CAPITAL OF TX HWY BLDG AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE | $636 | — | $636 | 6.94% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE INSURANCE | 826 | $220K |
| Dental(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 821 | $61K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 821 | $98K |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE INSURANCE | 835 | $410K |
| Short-term disability(3 contracts, 3 carriers) | NATIONWIDE INSURANCE | 826 | $260K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $81K |
| Prescription drug | NATIONWIDE INSURANCE | 826 | $220K |
| Other(2 contracts, 2 carriers) | NATIONWIDE INSURANCE | 835 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.